First National Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Common equity Tier 1 ratio: 2.62 percentage points higher than in Q1 2026, at 153.75%. First National Trust Company's CET1 ratio of 153.75% is well above the 19.57% median for banks in the < $100M asset tier, a gap of 134.18 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 153.75% |
| Tier 1 risk-based capital ratio | 153.75% |
| Total risk-based capital ratio | 153.75% |
| Tier 1 leverage ratio | 90.66% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $38.8M |
| Tier 1 capital | $38.8M |
| Total risk-based capital | $38.8M |
| Total equity capital | $45.4M |
| Risk-weighted assets | $25.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 84.02% |
| Tangible equity to tangible assets | 81.00% |
| Equity capital to average assets | 88.67% |
| Internal capital growth rate | 4.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $15.1M |
| Retained earnings | $31.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 165.80% | 165.80% | 165.80% | 96.36% | $18.5M |
| Q4 2023 | 156.19% | 156.19% | 156.19% | 91.01% | $18.7M |
| Q1 2024 | 163.83% | 163.83% | 163.83% | 98.34% | $20.9M |
| Q2 2024 | 154.72% | 154.72% | 154.72% | 84.63% | $20.7M |
| Q3 2024 | 159.17% | 159.17% | 159.17% | 82.89% | $19.8M |
| Q4 2024 | 158.42% | 158.42% | 158.42% | 85.23% | $20.7M |
| Q1 2025 | 163.53% | 163.53% | 163.53% | 94.48% | $23.8M |
| Q2 2025 | 152.39% | 152.39% | 152.39% | 78.78% | $21.7M |
| Q3 2025 | 161.12% | 161.12% | 161.12% | 92.49% | $22.2M |
| Q4 2025 | 150.53% | 150.53% | 150.53% | 89.09% | $24.2M |
| Q1 2026 | 151.13% | 151.13% | 151.13% | 90.35% | $25.3M |
| Q2 2026 | 153.75% | 153.75% | 153.75% | 90.66% | $25.2M |
First National Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 3229875)